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Mohammad H. Holle
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Amal: Jurnal Ekonomi Syariah
Published by Institut Agama Islam Negeri Ambon
ISSN : 28286103     EISSN : 28286103     DOI : 10.33477/eksy.v4i02
Core Subject : Economy,
Economics, Econometrics & Finance
Amal: Jurnal Ekonomi Syariah mempublikasi artikel ilmiah hasil penelitian yang memuat kajian seputar Ekonomi Bisnis, Ekonomi Manajemen, Ekonomi Pembangunan, dan Ekonomi Syariah. Amal: Jurnal Ekonomi Syariah dikelola oleh Fakultas Sariah dan Ekonomi Islam Institut Agama Islam Negeri (IAIN) Ambon. Amal: Jurnal Ekonomi Syariah terbit berkala dua kali setahun. Edisi pertama terbit bulan Juni dan edisi kedua terbit bulan Desember. Amal: Jurnal Ekonomi Syariah diterbitkan melalui Lembaga Penelitian dan Pengabdian Masyarakat LP2M Institut Agama Islam Negeri (IAIN) Ambon dengan nomor ISSN: 2828-6103
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 9 Documents
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Search results for , issue "Vol. 7 No. 2 (2025): Desember" : 9 Documents clear
Sukuk Hijau Sebagai Instrumen Investasi Syariah Berkelanjutan di Indonesia: Analisis Peluang, Tantangan, dan Strategi Pengembangan Nanda Mar'atus; Ismatul Khayati
AMAL: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Desember
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v7i2.8110

Abstract

The development of green sukuk as an environmentally friendly sharia investment product is increasingly relevant amidst increasing global attention to climate change and sustainability. Green sukuk is a sharia-compliant financing instrument intended to support projects that contribute to environmental conservation, such as green infrastructure, waste management and renewable energy. The aim of this research is to analyze the concept, urgency and potential of green sukuk in the Islamic financial market, placing special emphasis on the opportunities and challenges faced in developing this instrument in Indonesia. Global case studies show that green sukuk have great potential to attract investors who care about the environment while complying with sharia financial principles. However, challenges such as lack of investor awareness, regulatory barriers and the need for clear standards remain major obstacles. Through in-depth analysis, this research provides strategic recommendations for the government, financial institutions and other stakeholders to strengthen the development of green sukuk as part of sustainable financing solutions in Indonesia. With this, green sukuk can become an important instrument that is not only economically profitable but also contributes positively to the environment and sustainable development in Indonesia.
Strategi Penanganan Pembiayaan Murabahah Bermasalah (Studi PT. BPRS Siak Jaya Kabupaten Siak, Riau) Asrial Saputra; Indah Rahmawati
AMAL: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Desember
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v7i2.9267

Abstract

PT. BPRS Siak Jaya as one of the financial intermediary institutions whose activities are to collect public funds in the form of deposits and re-channel them in the form of financing. However, in providing financing to customers, it cannot be separated from various risks, one of which is non-performing financing which results in a decrease in the level of bank liquidity and also affects the decrease in the level of trust of depositors who entrust their money. The purpose of this study is to determine the factors causing the occurrence of problematic murabahah financing, and strategies in dealing with problematic murabahah financing at PT. BPRS Siak Jaya. This research uses a qualitative method approach. Data collection techniques in this research are interviews, observations and documentation. The results of the study found that: First; There are two factors that cause problematic murabahah financing, namely internal and external factors. The internal factors are the weakness of BPRS in financing analysis, financing documents, collateral and human resources. Meanwhile, external factors are weaknesses in the character of the customer, the ability of the customer and the calamity experienced by the customer. Secondly; strategies in dealing with problematic murabahah financing at BPRS Siak Jaya are approach to customers, intensive collection, provision of letters of reprimand (SP 1,2, and 3), restructuring process by rescheduling and finally execution/liquidation of collateral.
Literasi Keuangan Syariah Sebagai Mediasi Pengaruh Profitability dan Digital Innovation Terhadap Kepuasan Investor Saham Syariah Dede Nurhayati; Peni Haryanti
AMAL: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Desember
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v7i2.9709

Abstract

Kurangnya kepuasan investor, yang disebabkan oleh faktor-faktor seperti peran teknologi digital dalam berinvestasi dan kurangnya pengetahuan umum tentang keuangan Syariah, serta pesatnya perkembangan pasar modal Syariah Indonesia, mendorong penelitian ini. Jadi, dengan Literasi Keuangan Syariah sebagai penengah, penelitian ini berupaya mengkaji dampak Inovasi Digital dan Profitabilitas terhadap Kepuasan Investor Saham Syariah. Dengan menggunakan informasi dari 180 investor mahasiswa aktif di Universitas Hasyim Asy'ari (UNHASY) Tebuireng Jombang. Penelitian ini menggunakan metodologi kuantitatif asosiatif kausal. Semua pengujian hipotesis, termasuk uji dampak langsung dan tidak langsung, serta penilaian validitas, reliabilitas, evaluasi outer model dan evaluasi inner model dilakukan dengan menggunakan SmartPLS 3.0. Profitabilitas dan inovasi digital berdampak signifikan terhadap literasi keuangan Syariah, menurut kesimpulan penelitian. Selain memediasi hubungan antara dua variabel independen dan kepuasan, literasi ini berdampak langsung pada kepuasan investor. Penemuan ini memberikan kepercayaan pada gagasan bahwa literasi keuangan Syariah sangat penting bagi pasar modal Syariah untuk memaksimalkan keuntungan dari inovasi digital dan meningkatkan kebahagiaan investor.
Investasi Wakaf Melalui Cash Waqf Linked Sukuk Ritel Untuk Lingkungan Hijau Niswatun Hasanah
AMAL: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Desember
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v7i2.10877

Abstract

Issues concerning environmental sustainability and environmental health were discussed at the 2022 G20 Summit. Seven priority issues were identified in the Environmental Deputies Meeting (EDM) and three in the Climate Sustainability Working Group (CSWG). Consequently, most countries are currently seeking creative financial solutions to address these issues. One instrument for linking environmental commitments with sustainable government financing is sustainability-linked bonds (SLB).This study aims to identify a model for implementing the mauquf 'alaih (implied) yield series of CWLS for green environmental programs.The method used in this article is a qualitative approach with explanatory analysis using secondary data. Data collection was conducted through journal articles previously searched through Publish or Paris.This article focuses on two issues: Green Sukuk in Indonesia and CWLS for green environmental programs. Several CWLS Series that have been published by the Ministry of Finance, there is the CWLS SWR003 series whose social programs are implemented for a green environment, namely energy security programs and environmental programs that support each other with health programs such as sanitation. This energy security program has been programmed by nadzir (YPM Salman ITB in the form of "Installation of Solar Panels at the Salman ITB Mosque" and a social program for environmental health in the form of Sanitation for the Community (SAUM).
Terjebak Simbol, Tertinggal Akses: Analisis Multiperspektif Hambatan Sistemik dalam Perbankan Syariah di Kota Padang Divana Yuliant
AMAL: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Desember
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v7i2.11364

Abstract

This study aims to identify systemic barriers hindering the development of Islamic banking in Padang City through a qualitative, multiperspective approach. Primary data were collected via in-depth interviews with key stakeholders, including regulators (OJK, BI, MUI), practitioners (BSI, BTN Syariah), academics, and customers. Thematic analysis, supported by NVivo 12 Plus, revealed four major challenges: suboptimal digitalization, low levels of public understanding and financial literacy, limited-service infrastructure, and negative public perception of Islamic banking. Based on these findings, the study proposes three strategic recommendations: enhancing community-based public education, expanding the reach of service infrastructure, and optimizing integrated digital transformation. The novelty of this research lies in its grounded, multi-stakeholder field approach, offering a contextual and actionable understanding of the systemic challenges faced by Islamic banking in Muslim-majority regions. Keywords: Islamic banking; literacy; digitalization; Padang City; multiperspective
Blue Sukuk: Inovasi Pembiayaan Syariah untuk Konservasi Kelautan Berkelanjutan tinjauan Maqashid syariah Umar Syahid; Siti Achiria
AMAL: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Desember
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v7i2.11437

Abstract

Significant financial support is needed to optimize the marine economy for future food sources, energy security, and public welfare. To promote the blue economy in Indonesia, the government must create financial instruments. Encouraging public investment in this industry through government-provided instruments, such as sovereign sukuk, is one creative funding source that can be explored. The purpose of this research is to explore blue sukuk through the lens of maqasid sharia.This research is a descriptive qualitative study using a conceptual approach.The results indicate that improving the quality of marine ecosystems aligns with the objectives of Fiqh al-Biah, or maqasid sharia, namely protecting the environment, including marine ecosystems, and is consistent with the concept of the Blue Economy. The Blue Economy concept has emerged as a solution for appropriate and sustainable coastal development. The Blue Economy concept aims to promote economic growth, social inclusion, and preservation of marine ecosystems, while improving livelihoods by ensuring environmental sustainability.
Menjembatani Kesenjangan : Kerangka Kerja SDG-Wakaf-FinTech Terpadu untuk Transformasi Keuangan Pendidikan di Indonesia Rifaldi Nurul Akbar; Muhammad Iman Kurniawan; Miftah Hur Rahman Zh; Athia Nur Kamilah
AMAL: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Desember
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v7i2.12004

Abstract

This study investigates the convergence of Islamic social finance, educational waqf, and FinTech to finance Sustainable Development Goal (SDG) 4 in Indonesia. It aims to map the potential and challenges of this integration and propose a synergistic conceptual model. Employing a qualitative approach, we collected primary data through in-depth interviews with 25 key stakeholders, Focus Group Discussions (FGDs), and analysis of policy documents. Thematic analysis reveals that the potential of educational waqf is hampered by regulatory asymmetry and governance deficits within the nadzir institution, leading to a strategic misalignment with specific SDG 4 targets. Our findings identify the dual role of FinTech as a capital mobilizer via micro-waqf platforms and as a blockchain-based monitor that builds transparency. The study concludes that realizing an effective waqf ecosystem requires an integrated approach: strengthening regulatory foundations and nadzir capacity, leveraging FinTech as a catalyst, and adopting an SDG-aligned impact measurement framework. Future research should prioritize developing and testing such a measurement framework and exploring regulatory sandbox models for Shari'ah-compliant waqf FinTech innovation. Keywords: Educational Waqf, FinTech, SDG 4, Governance, Blockchain, Impact Measurement, Islamic Social Finance
Analisis Efisiensi Biaya Produksi Secara Syariah Dalam Perkembangan Laba Usaha pada Roti Bakar Regar Muhammad Hisyam; Ismi Affandi; Anriza Witi Nasution
AMAL: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Desember
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v7i2.12197

Abstract

This study aims to analyze the determinants of production costs and assess the efficiency of sharia-compliant production costs in relation to the growth of business profits at Regar Baked Bread MSMEs. This study adopts a qualitative methodology, employing interviews and documentation methods to examine financial data from December 2024 to May 2025. The results demonstrate that the production costs for this MSME consist of raw materials, labor, and overhead expenses. Efficiency is achieved through cost management and waste prevention, in accordance with Islamic principles. Sharia-compliant practices have been shown to improve the stability and growth of business profits, as well as yield positive results for business operations.
Strategi Pesantren Melalui Pemasaran Islami Dalam Mewujudkan Kemandirian Ekonomi Pesantren yang Berkelanjutan Syaifudin Alfaisah; Dede Nurohman; Kutbuddin Aibak; Binti Nur Asiyah
AMAL: Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Desember
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v7i2.12766

Abstract

Penelitian ini bertujuan untuk mengkaji secara mendalam strategi pemberdayaan santripreneur melalui penerapan pendekatan pemasaran Islami sebagai upaya mewujudkan kemandirian ekonomi pesantren yang berkelanjutan. Pesantren dipahami tidak hanya berfungsi sebagai lembaga pendidikan dan dakwah, tetapi juga memiliki potensi besar dalam pengembangan ekonomiberbasis santri. Penelitian ini menggunakan metode kualitatif dengan desain studi multisitus yang dilaksanakan di Pondok Pesantren Fathul Ulum Kwagean Kediri dan Fathul Ulum Diwek Jombang. Data dikumpulkan melalui wawancara mendalam, observasi lapangan, dan studi dokumentasi, kemudian dianalisis menggunakan model interaktif Miles dan Huberman. Temuan penelitian mengungkapkan bahwa strategi pemberdayaan santripreneur dilaksanakan melalui tiga tahapan utama, yaitu: (1) peningkatan kapasitas santri melalui pelatihan kewirausahaan berbasis nilai-nilai Islam, (2) penerapan prinsip-prinsip pemasaran Islami dalam aspek produksi, distribusi, dan promosi, serta (3) pengembangan kelembagaan ekonomi pesantren yang mandiri dan berkelanjutan. Implementasi strategi tersebut terbukti mampu memperkuat kemandirian ekonomi pesantren, melahirkan santri yang religius, inovatif, dan kompetitif, serta berpotensi menjadi model percontohan pengembangan ekonomi syariah di lingkungan pesantren Indonesia. 

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